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Find the Best Debt Consolidation in Cincinnati, OH

Managing multiple payments to debtors while watching high interest rates increase the amount you owe is discouraging. Debt consolidation allows consumers to simplify monthly payments, reduce interest rates and potentially pay off or settle debt sooner. We researched the best debt consolidation in Cincinnati to guide you toward financial freedom.

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Compare Top Debt Settlement

National Debt Relief
Overall satisfaction rating
  • Minimum $10,000 debt required
  • No fees until your debt is resolved
  • Quick qualification form
  • Available in Cincinnati

No upfront costs or fees

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Freedom Debt Relief
Overall satisfaction rating
  • Minimum $15,000 debt required
  • Track your progress 24/7
  • Will negotiate for reduction of your debts
  • Available in Cincinnati

Specializes in debt settlement services. Debt can be settled in 24 to 48 months, and fees range from 15% to 25%. $7,500 minimum debt required. Track progress 24/7 via online dashboard. No-risk debt relief consultation offered.

Learn More (866) 515-6714 Read More
  • Available 24/7
  • Over $1 billion in debt resolved
  • Minimum $10,000 credit card debt required
  • Free Debt Analysis and consultation

Works with unsecured debts only, such as credit card, medical and business debt. Eliminates debt in 24 to 48 months. Service fee is 15% to 25%, and a free initial debt consultation is available. Not available in all states.

Learn More (888) 492-5184 Read More
Debt Rx
Overall satisfaction rating
  • Minimum $10,000 credit card debt required
  • Free, no obligation debt analysis
  • Tailored debt solutions for each customer
  • Services offered in Spanish

Get personalized service and attention when you’re seeking debt relief. Find out more about your debt relief options with a free confidential consultation, and use its debt calculator to see how much you can save.

Learn More (989) 315-8789 Read More
Trinity Debt Management
  • Free debt analysis
  • Easy online application
  • One managable monthly payment
  • Reduce interest & eliminate late fees by 60%
11229 Reading Rd.
Cincinnati, OH 45241
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Family Credit Management Services
  • Worked with over 70,000 creditors
  • Over 20 years experience
  • Avoid bankruptcy
  • Pay once or twice a month to fit your budget
Serves residents in
Cincinnati, OH
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How to choose debt consolidation in Cincinnati

Cincinnati Skyline

Cincinnatians have an average of $19,491 in student debt and $5,446 in credit card debt. Cincinnati residents also have an average of $1,449 in medical debt in collections. These monthly payments are a heavy burden for many households, especially when the debts have high interest rates.

Debt consolidation, which refers to a broad category of debt relief services, is one way to get a handle on unmanageable debt and avoid bankruptcy. One of the most common debt consolidation services in Cincinnati is debt settlement. This solution only applies to unsecured debt that does not have collateral, such as personal loans and credit card debt.

In debt settlement, the debt consolidation company negotiates with the creditor for a reduced lump sum payment. Most debt relief companies in Cincinnati prefer a minimum debt of $10,000 to qualify for their services. On average, it can take two to four years to settle debt using this approach.

Debt relief companies can't charge any upfront fees, but they do charge a fee for their services once the debt is settled. Some fees you may be charged after settlement include:

  • Setup fee: After the debt is settled, you may see a small fee on your bill to cover the costs of the initial account setup.
  • Monthly fees: During the negotiation process, the company may require that you stop payments to the creditor and instead deposit the funds into a dedicated account that may come with monthly maintenance fees.
  • Service fees: This is the most substantial cost of the debt settlement process. Most settlement companies charge a percentage of the amount settled, usually from 15 to 25 percent. Some calculate this fee using the amount settled, while others look at the amount of debt eliminated.

If you don't have enough debt to qualify for debt consolidation services, there are other options available. You can take out a personal or home equity loan, transfer balances to a credit card with a 0 percent introductory rate or contact debt relief companies for counseling services.

Some companies in Cincinnati are scams or falsely advertise debt relief programs. To confirm a company’s reputation, you can view any complaints filed against them with the Ohio Attorney General. If you believe such a company has contacted you, you can report a scam to the Ohio Attorney General.

Debt Consolidation Reviews

National Debt Relief

National Debt Relief specializes in a variety of debt types and helps consumers find effective alternatives to bankruptcy. The company’s debt relief experts walk you through the consolidation process and work to reduce your monthly payments or settle your debt. Customer reviews from Cincinnati appreciate the compassionate customer service.

National Debt Relief Learn More

Freedom Debt Relief

Freedom Debt Relief's debt management program creates an actionable step-by-step plan for consolidating, settling and reducing your debt. The company provides counseling and financial planning to help Cincinnati customers get out of debt and avoid bankruptcy. Debt consolidation counseling is offered online or over the phone.

Freedom Debt Relief Learn More (866) 515-6714


A proprietary electronic debt settlement system combined with expert debt consultants makes Credit Associates an effective choice for debt relief. Reviews say that customer service is helpful and communicates well throughout the process, which lasts between two and three years. You can get a free consult with no obligation by contacting the company.

CreditAssociates Learn More (888) 492-5184

Debt Rx

If your credit card debt exceeds $7,500, this debt settlement company can help. Debt Rx is small enough to offer individual solutions for debt relief. If you’re behind on bills, Debt Rx can help keep creditors away as mentioned in customer reviews who spoke highly of their effective service.

Debt Rx Learn More (989) 315-8789

Trinity Debt Management

Trinity Debt Management is a nonprofit agency that provides faith-based counseling services for Cincinnati individuals and families. The company consolidates credit cards, medical debt and personal loans into a single monthly payment and provides debt settlement services. Cincinnati customers say the company’s representatives are friendly and professional.

Trinity Debt Management

Family Credit Management Services

Family Credit Management offers a debt management program that allows customers to pay down their debt in a regular, predictable pattern. Detailed monthly statements and an online account help consumers keep track of their progress towards debt freedom. Cincinnati reviewers say the company’s certified counselors are courteous and knowledgeable about bankruptcy alternatives.

Family Credit Management Services